I’ve gradually come to the opinion that healthcare shouldn’t be guided by profit considerations.
Profit isn't a bad thing, it's an absolutely critical thing. It tells entrepreneurs where there is unmet need that they can invest to increase production, and earn some of those available profits.
It is the necessary signal to resolve the demonstrable imbalance of supply and demand.
Without it you only have bureaucratic whim to decide production, with absolutely no consequences guiding the decision making.
Everyone is going to die. Everyone.You want healthcare/insurance for optional care? Be my guest. If it’s the choice between someone living or dying, that shouldn’t be guided by whether the insurance company will make money.
All healthcare is an 'optional expense'.
Why do you think you have the right to further your life at someone else's expense?
The decision to plow one's savings into prolonging the last months or years of life should be up to the individual. If you'd rather leave your savings to your heirs, that's your right. If you want to spend it all on a few more months or years, and leave nothing behind, that's also your right. What you shouldn't be allowed to do is plunder others under the color of law.
You need food to live. Do you really think you'd be better off paying a 'food tax' and letting bureaucrats decide what food is produced, and how much you get? Or are we better off letting producers follow the signals of supply and demand with the profit-loss system weeding out the inefficient and undesired producers?
Vast experiments on this very subject have been conducted. Witness East/West Germany, and their relative outcomes across the entire spectrum of consumption.